Mortgage Notes

Every Saturday at 11am! RSVP at the following link to receive login details: https://www.enggarcia.com/hbscaphill/ The Districts Best first time home buyer webinar Learn about the home buying process How to qualify & what loans are available Qualifying for DC Open Doors and other programs Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

Expect a fun afternoon of drawing and socializing with like-minded artists! Although each Session is 3 hours, feel free to drop in as your schedule permits. This is a casual gathering, and we know that people might only be able to stay a little while -- drop in, and stay, as long as you are having fun, and as your day allows. **Note: about RSVP's, please respect the RSVP process. If you RSVP YES, you are commited and we are all looking to seeing you. If your plans change however, that's OK, but please be courteous and change your RSVP to NO. We are reaching the headcount limit regularly now and it is rude to take a spot and not relinquish it if your plans change... Respect others; don't be rude. Thank you for your cooperation**. All skill levels are welcome -- this is not a competition. This Group and all its Events are intended to be in equal parts, Drawing/Art AND Socializing. As such, conversation is expected and encouraged. ***However, in all cases, please refrain from discussion of Political topics.*** Our goal is enjoyment, in the form of drawing together while socializing, and political conversation is too polarizing for that to happen. We are looking forward to seeing you there! **Note (in parting): Be aware, and keep in mind that our group, meeting as it does at Starbucks, depends on this business's generosity for the space it allows us. As such, please make a point of purchasing something from the business to express our appreciation as a group using their facility. If you are experiencing hardship and can't afford a modest purchase, get my attention discreetly, and arrangements will be made with no judgment whatsoever. Thank you for your understanding... Michael (your host)**

**Sorry for such a short notice, things have been a bit busy for me. However, the weather looks great for Saturday so I'm going for a ride and maybe some folks want to join me. :D** **+++++++++++++++++++++** **The Ride: Summary** **(Must Read)** **+++++++++++++++++++++** * RIDE NAME: Indian Head Rail Trail * START LOC: Indian Head Elementary School * START GPS: [https://goo.gl/maps/92qnj6noJXS2](https://goo.gl/maps/92qnj6noJXS2) * START PARKING PIC: [https://goo.gl/rGvVtx](https://goo.gl/rGvVtx) * ARRIVAL: 10:00am * SPEECH: 10:15am * ROLLING: 10:30am * LEVEL: All Levels * DISTANCE: Up to 26 miles (13.0 each way) * PACE: Any Pace * TERRAIN: Flat Paved Bike Trail * RIDEWITHGPS ROUTE: CBG_INDIAN_HEAD_2025 [https://ridewithgps.com/routes/33415652](https://ridewithgps.com/routes/33415652) **NOTE:** * Bring 2 Full Water Bottles. * Porto-Potties at start, on the trail, as well as flush toilet at turn around. **TIMINGS (approximates):** * Rolling @ 10:30am * End of Trail @ 11:30am - 12:00pm * Back at Head of Trail @ 1:00pm(ish) * Everyone is OFF the trail NLT 1:30pm * The above is based on an average of at least 10mph **+++++++++++++++++++++** **The Ride : Detail** **+++++++++++++++++++++** For your riding pleasure NoVA CBG presents The Indian Head Rail Trail. The Indian Head Rail Trail is a straight, no turning, tree lined, flat, and pretty trail. You cannot get lost so you can go as fast or as slow as you like. You can make the ride any distance you want (up to 27 miles, 13.5 out and 13.5 back). Remember that the distance you travel out is the same distance you have to travel back. * This is a perfect ride to see how far you can go. * This is a perfect ride to see how fast you can go. * This is a perfect ride to try out your new clips. * This is a perfect ride to try out your new bike. * This is a perfect ride to slow roll and enjoy nature. You get the idea ;) **+++++++++++++++++++++** **The Meeting Spot:** **+++++++++++++++++++++** Indian Head Elementary School 4200 Indian Head Hwy Indian Head, MD 20640 GPS: [https://goo.gl/maps/92qnj6noJXS2](https://goo.gl/maps/92qnj6noJXS2) PARKING PIC: [https://goo.gl/rGvVtx](https://goo.gl/rGvVtx) DO NOT park in the Pavilion parking lot, please park in the gravel parking spots (see picture link above). **+++++++++++++++++++++** **The Ride after the Ride:** **+++++++++++++++++++++** Dale's Smokehouse 4645 Indian Head Hwy, Indian Head, MD 20640 301.743.6777 GPS: [https://goo.gl/maps/2MiiYFaHpLGa3uo17](https://goo.gl/maps/2MiiYFaHpLGa3uo17) If you're back at the start, and you want to grab some great BBQ, go to Dale's Smokehouse. **+++++++++++++++++++++** **Ride Level Chart** **+++++++++++++++++++++** NoVA CBG tries to accommodate all levels of cyclists by offering different types/levels of rides. We just ask that you come to the ride that suits your current riding ability the best. * Introductory Level: If you haven't ridden a bike in a number of years (or are uncertain of your abilities on a bicycle). * Beginner Level: You can ride for 10+ miles at a pace of 10+ to 12+ mph with potentially minor hills involved. * Medium Level: You can ride for 20+ miles at a pace of 13+ to 15+ mph with potentially moderate hills involved. * Advanced Level: You can ride for 20++ miles at a pace of 15+ mph with potentially major hills involved. Both Medium and Advanced Levels might require handling various challenges such as reading cue sheets, using a Garmin or navigation app, night riding, out of town travel, or any other odd cycling situations. **+++++++++++++++++++++** **The Fine Print:** **+++++++++++++++++++++** An RSVP of 'YES' is your digital signature and means you have read and understood MEETUP.com's: * "Terms of Service : Section 6. Release" found at https://www.meetup.com/terms/ * NOVA-CBG's "Assumption of Risk Agreement" found @ https://www.meetup.com/novacbg/pages/1942951/NOVA-CBG_Waiver/ * NoVA CBG's "COVID Policy" found @ http://bit.ly/2021_NoVACBG_COVID19_POLICY Helmets are required to participate in all NOVA-CBG rides. All riders ride at their own risk and with the understanding that cycling is an inherently dangerous activity. When coming to the meetup you do so voluntarily and are ready and able to participate in the ride as described under the conditions of the day. Be on time for the "pre-ride" preparation. If you do not attend the pre-ride preparation you will not be allowed to participate on the ride. There are NO exceptions to the above.

Wakefield High School Plant Sale plants available for sale on April 18 10-2 pm Come buy plants as well as other fun activities at the school, including a car show (weather permitting) and the Spring Bazaar. The plant sale is one of the largest fundraisers for the PTSA and strongly supports teacher and student activities and programs. If you are in need of flowers, baskets, planters, herbs, or vegetables, we hope you will take a look at what is on offer for this year. If you are interested in volunteering 5:30 am to 8 am, contact Leeanna

It is irresistible, to enjoy a Spanish and Portuguese convo with appetizers, glass of wine and rail drinks. ***GRAB A DRINK AND YOU ARE ALL SET TO FLEX YOUR LANGUAGE CAPACITY. YOU NEED TO GET AT LEAST A DRINK OR FOOD :) To get the event going and show support. We know that you like our events. P.S. : We have non-alcoholic drinks as well.*** We have a tiny venue and we hit capacity often and early arrival is suggested. We have the discretion to decide entry. HOW IT WORKS : We will try to assign tables for each represented languages and will direct attendees to their respective tables accordingly. Rules to abide : 1. Event is free and 21+ (bring ID). 2. Be respectful to your counterparts and give them a chance to exchange with others as well. 3. We all are native speakers of one or two languages and be willing to help others and try to accommodate as much as possible. 4. If you don't speak the other person's required language, LEAVE THEM ALONE. 5. Rude or aggressive members are removed from the group at an organizers discretion. 6. This is a face-to-face language exchange event. DO NOT try to arrange an online meeting, by using the comment box or direct message. 7. Most of our members complained about people writing in the comment box. Since it sends notification to all attendees. If you have any questions, send a message to the organizers. Don't write in the comment box. 8. We have ZERO TOLERANCE for solicitation. We don't allow anyone to run their own agenda at the Event. If you are interested to promote/sponsor/collaborate; contact us via ([info@merevents.com](http://info@merevents.com)). 9. When you get there, we will greet you and take you to your respective group. 10. Don't be shy of your local languages. We have diplomates assigned to different countries, who would love to practice your languages. 11\. Be patient for the first 30 minutes\, up until we form your respective language group\. 12\. We will have a registration station and check you in\. 13\. This is mainly a social for Intermediate/Advanced/Native Speakers\. It is not as such to learn a language\. Beginners\, if you want to learn a language\, reach out to us \([info@merevents.com](http://info@merevents.com/)). We have a school and will arrange you a class. ***AFTER THE EXCHANGE, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!***

Learn more about our Home Buyer Program * get up to $202k in down payment assistance through HPAP * get up to $25K in grants from Maryland Mortgage Program * downpayment assistance options through DC Open Doors * how to qualify and what loans are available * loan application and approval process * repeat home buyer options * purchase price limits * market insight and home buying steps in a competitive market SIGN UP AT THE LINK BELOW: [https://www.enggarcia.com/egpwebinars/](https://www.google.com/url?q=https://www.enggarcia.com/egpwebinars/&sa=D&source=calendar&ust=1705256818169980&usg=AOvVaw0qgqMgQjduPHADDDggU6H6)

Note: RSVPs for this meetup opens when our previous one ends. For April, we will be reading Three Days in June by Anne Tyler. The Hardcover runs 165 pages. It was published in 2025. The GoodReads blurb is **A new Anne Tyler novel destined to be an instant classic: a socially awkward mother of the bride navigates the days before and after her daughter's wedding.** Gail Baines is having a bad day. To start, she loses her job—or quits, depending on whom you ask. Tomorrow her daughter, Debbie, is getting married, and she hasn’t even been invited to the spa day organized by the mother of the groom. Then, Gail’s ex-husband, Max, arrives unannounced on her doorstep, carrying a cat, without a place to stay, and without even a suit. But the true crisis lands when Debbie shares with her parents a secret she has just learned about her husband to be. It will not only throw the wedding into question but also stir up Gail and Max’s past. Told with deep sensitivity and a tart sense of humor, full of the joys and heartbreaks of love and marriage and family life, *Three Days in June* is a triumph, and gives us the perennially bestselling, Pulitzer Prize–winning writer at the height of her powers

Wisteria Walk is officially on the calendar. 📍 April 19th Georgetown & Dumbarton Oaks Gardens & Museum DC is at its most beautiful in April, and we're spending the day in it together. However you want to join us, there's a place for you 🌿 —————————— 🌸 Dumbarton Oaks Garden Visit at 2pm The full elevated experience. One of DC's most breathtaking gardens at peak bloom. Dressed in your best spring looks. Ticketed & limited availability. First to purchase are confirmed. ⚠️ Tickets sell out fast around peak bloom. Secure yours HERE 👇 https://www.eventbrite.com/e/2026-timed-entry-tickets-dumbarton-oaks-gardens-tickets-1977388111070?aff=oddtdtcreator —————————— 🚶🏽‍♀️ Afterwards, a Georgetown stroll Free. Open to all. Wander through Georgetown as the wisterias bloom. No ticket needed, just show up and send us a message in the Ladies Lounge chat and we'll let you know where we are. —————————— 📚 Barnes & Noble Browse Wind down the afternoon together. Browse & enjoy the company. Optional small bites after! 🥂 —————————— You can join for one option or all three, entirely up to you 💛 Drop your emoji below for what you're most interested in! 🌸 — Dumbarton Oaks 🚶🏽‍♀️ — Georgetown Stroll 📚 — Barnes & Noble Join the Ladies Lounge here: https://chat.whatsapp.com/H533SlZi8h70XjkN6iSEws?mode=gi_t

THE YEAR'S BREAKOUT NOVEL AND WORD-OF-MOUTH HIT—A NEW YORK TIMES BESTSELLER AND READ WITH JENNA PICK “Dazzling. . . Knapp tirelessly and beautifully replicates not just loss and grief but endless rebirth and delight.” —The Washington Post “Elegant. . . this is a wholly original work.” —People Magazine “A magnificent novel.” —Geraldine Brooks, Pulitzer Prize–winning author of Horse The extraordinary novel that asks: Can a name change the course of a life? In the wake of a catastrophic storm, Cora sets off with her nine-year-old daughter, Maia, to register her son's birth. Her husband, Gordon, a local doctor, respected in the community but a terrifying and controlling presence at home, intends for her to name the infant after him. But when the registrar asks what she'd like to call the child, Cora hesitates... Spanning thirty-five years, what follows are three alternate and alternating versions of Cora's and her young son's lives, shaped by her choice of name. In richly layered prose, The Names explores the painful ripple effects of domestic abuse, the messy ties of family, and the possibilities of autonomy and healing. With exceptional sensitivity and depth, Knapp draws us into the story of one family, told through a prism of what-ifs, causing us to consider the "one . . . precious life" we are given. The book’s brilliantly imaginative structure, propulsive storytelling, and emotional, gut-wrenching power are certain to make The Names a modern classic. LONGLISTED FOR THE ANDREW CARNEGIE MEDAL

Sol Roots Band blends raw funk, deep blues, rock, soul, and hypnotic grooves. With a unique voice and top-tier musicians, Sol honors musical legends while forging his own powerful sound. Bring a chair. We will sit near the front to the right facing the stage.

## Lake Artemesia Walk Join us for a relaxed, social walk around the scenic Lake Artemesia loop in College Park. This is an easy-paced group walk—perfect for fresh air, light exercise, and good conversation. We’ll complete the paved lakeside loop (\~1.5–2 miles) at a comfortable pace, enjoying peaceful water views, birds, and greenery along the way. Those who want to go around the lake multiple times, can do so. ### Meeting Point Parking lot of Lake Artemesia Berwyn Rd & Branchville Rd Entrance College Park, MD 20740 Bring plenty of water, whatever you need for your hike, and your awesome authentic self. Keep it easygoing. RELEASE OF LIABILITY & ASSUMPTION OF RISK AGREEMENT: By being a member of this Group, RSVPing to any Activity, or participating in any Activity, You accept and agree to the terms and conditions described below: 1. You acknowledge that hiking in nature carries the risk of potential harm to yourself, including the risk of injuries such as broken bones or muscle/tendon injuries, illness, disability, or death. 2. You agree that You will at all times be responsible for Yourself and Your own safety. 3. You release and hold harmless with respect to all injury, disability, death, or loss of property, whether caused by negligence or otherwise, this group's leadership and members for the hikes that you participate in. 4. You acknowledge and agree that this Group is merely a collection of friends or potential friends who enjoy doing activities, and that in no event does any Organizer or Other Member assume any responsibility or liability for You. 5\. You agree not to sue and to release\, discharge\, waive and hold harmless all organizers and other members from and against all liabilities\, claims\, demands\, losses\, damages\, suits and proceedings\, for negligence\, carelessness or any other cause which you may have or that hereafter may accrue arising\, resulting from or related to your membership in this group or participation in any activity\.

Hello, Thank you to everyone who makes these meetups a success! A special thanks to those who are able and willing to make a financial contribution to help keep this group going! Feel free to bring you coffee, tea, or preferred beverage from anywhere you'd like before heading to Quincy Park. **Logistics:** There are 3 parking lots at the park as well as plenty of street parking. The park is also located right near the Virginia Square - GMU metro station. **Note:** This event is on **Saturday**. We will either push to Sunday or another week if weather is an issue. Well behaved dogs on leashes are allowed(and encouraged!)

Learn how seller finance and notes can create cash flow and new deal opportunities with 40-year investor Eddie Speed **FREE TICKET** 🎟️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp Most real estate investors only know one way to make money: Buy the property. Fix the property. Rent it or sell it. But there’s another side of real estate that can create cash flow, flexibility, and opportunity without only focusing on owning more property. At this month’s Columbus Investors Club, Tiffany and Josh High are sitting down with Eddie Speed - a real estate veteran with 40 years of experience who has closed more than 50,000 note deals. He has spent decades helping investors understand how to structure deals through seller finance and notes, and how to think more like the bank instead of just the buyer. This will be a practical conversation around a part of real estate most people have heard about, but very few truly understand. If you’ve ever wanted to know how to create more opportunities in deals, generate cash flow in a different way, or understand how seller finance actually works in the real world, this is a night you want to be in the room for. You’ll walk away thinking about deals differently, seeing new possibilities, and understanding how creative structuring can open doors that traditional investing alone can’t. **What You’ll Learn** * How seller finance works in real estate deals * How notes fit into real estate and create opportunity * How to structure deals more creatively * How investors generate cash flow by focusing on the payment * How to think like the bank instead of only focusing on owning the property * How this strategy can create flexibility in today’s market **Open Q&A - Ask Eddie Anything About** * Seller finance and how to use it in real deals * How notes work in a practical, beginner-friendly way * Creating cash flow without only relying on rentals * Structuring deals that others might miss * How experienced investors think differently about financing * Common mistakes investors make when they only focus on the property **Why You Should Be in the Room** Because the investors who win in the long run know how to do more than just buy houses. They know how to structure.They know how to create terms.They know how to see opportunities other people miss. This is the kind of conversation that can expand the way you think about real estate entirely. Come ready to learn, ask questions, take notes, and connect with people who are serious about growing in this business. **Reserve your free seat now - and be part of the conversation.** Grab your spot here ➡️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp

If you are interested in selecting investment choices for your 401(k) or other workplace savings plan, minimizing your income tax liability, or identifying the most effective investments for your brokerage account, we are the group for you. We are a local chapter of Bogleheads, whose investment strategy can be found here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Or you can peruse the Boglehead forum here: https://www.bogleheads.org/index.php I look forward to seeing you there. Mark Vonder Haar

Join us for an hour of writing! We’ve discovered that it’s strikingly helpful to write with other writers. See if it’s true for you at 7:00pm on Wednesday, April 22 at Streetlight Guild. Be it a book, blog, script, essay, dissertation, resume, melody, poem or just plain work stuff, you are invited to write it with us. No one will see what you've written or give you unsolicited advice. Instead of just thinking about writing, come and get some real writing done. **SCHEDULE:** 6:45ish - Quick introductions 7:00 - Timer starts: write for 1 hour 8:00 - The End **OPTIONAL SOCIALIZING** happens before and after the writing hour. Writing is very solitary. Connecting (and sometimes even commiserating) with other writers is a cool thing. **BEING LATE IS OKAY:** just show up and get settled! If you were on time, please be willing to make room for the friendly latecomer. Happy writing & I look forward to seeing you at Streetlight Guild! **WHAT SHOULD I BRING?** Whatever you need to be able to write! You're welcome to bring earplugs/headphones if noise will bother you! **OTHER IMPORTANT DETAILS:** * **RSVP:** Please RSVP by 6:00pm the evening of the meeting. This helps me know how many to expect, and if we'll need additional space! * **COVID:** While masks are not required, please be mindful of the other writers around you and their comfort levels. * **WIFI/OUTLETS:** Outlets are limited, so please ensure your devices are charged when you come! But Streetlight Guild does have free WiFi! Yay! * **PARKING:** There is free public parking at Streetlight Guild.

You can also join the meeting by Conference Call at (518) 263-8851.

**Welcome to the Women’s Columbus Bogleheads® Sub-Group** This sub-group is for **women who want to learn and discuss finances in a safe, supportive space**. For those interested in moving towards financial independence and retirement by learning investment basics, choosing your 401(k) investments, minimizing taxes, and more. We’re a local chapter of **Bogleheads®**, following a long-term, practical investment philosophy: [Investment Philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy): https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [Bogleheads Forum](https://www.bogleheads.org/index.php): https://www.bogleheads.org/index.php No question is too small, and no experience is too simple. Share, ask, and learn — at your own pace, without judgment, in a group of like-minded women. Let’s build confidence and knowledge **together**!

How do we recover from having had a toxic or narcissistic ex? How do we move on from the past, especially something as traumatic as a divorce or breakup? How do we avoid anxiety and depression? How do we have more self esteem? In this meeting, you will learn the mental health secrets to help you quickly get over the past and heal your mind. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. This group is created by the Dianetics & Scientology life improvement center.